Stories

  • Food Bank Network

    ​Food Banks Referrals

    Advisers often have to refer clients to food banks because their benefits have stopped due to administrative problems

    A Job Seekers Allowance (JSA) claimant contacted Advice NI in a state of distress after receiving a letter dated Friday 29th May which arrived on Saturday 30th May stating that his JSA was not payable from 30th May to 12th June. The claimant said that he was anxious all weekend, that he remembered a mix-up regarding a single Steps to Success appointment in February, that he thought that his explanation had been accepted and that he did not know how he would survive as he had no money and no savings.
  • ​East Belfast Independent Advice Centre

    ​Appealing an Incapacity Benefit / Income Support (IB/IS) reassessment

    The client was a 58 year old woman with long term mental and physical health problems including chronic anxiety, panic attacks, chronic obstructive pulmonary disease (COPD), and chronic low back pain. She had been in receipt of Incapacity Benefit / Income Support (IB/IS) for many years. On IB/IS reassessment for Employment & Support Allowance (ESA) she was awarded zero points and found not to have limited capability for work.
  • ​Dove House Advice Services

    ​An advice service was able to help a family improve the quality of their lives

    A client who was a single parent with a number of children sought help from Dove House Advice Services. The family needed immediate intervention after the marriage broke down due to alcohol related issues and difficulties coping with a range of debt problems.
  • Outside a Food Bank

    Food Banks

    ​The Growth of Food Banks in Northern Ireland

    In 2013, advisers from the independent advice network reported seeing increasing numbers of people seeking advice who were in a critical financial situation, where there was no immediate support available from the social security or tax credit systems.
  • Business Debtline

    ​A farmer who ran into difficulty repaying a secured business overdraft sought advice from Business Debtline

    A farmer ran into difficulties with his bank when he was unable to maintain the agreed contractual repayments on a business overdraft of £55,000 which had been secured on his home.
  • Business Debt

    Business Debt

    ​A sole trader who ran into difficulties with HMRC

    A sole trader who had an engineering business ran into difficulties with HMRC when he received notice that he had liabilities totalling over £30,000 due for unpaid PAYE, VAT and self-assessment.
  • Street scene

    Benefits withdrawals and Food Banks

    Advisers often have to refer clients to food banks because their benefits have stopped due to administrative problems

  • Street Scene

    Omagh Independent Advice Services

    ​An adviser conducted a benefits check and successfully appealed an Attendance Allowance

    An adviser conducted a benefit entitlement check for an 80 year old woman suffering from angina, chronic obstructive pulmonary disease, osteoarthritis, depression and had a propensity to fall. An application was made for Attendance Allowance.
  • East Belfast Independent Advice Centre

    EBIAC have been providing free and independent advice and advocacy across a broad range of issues since June 2000. This includes confidential advice and representation with Tax Credits, Welfare Benefits, Employment, Housing and Debt issues.
  • Budgeting image

    A Change in Family Circumstances

    ​"Before I saw the adviser I couldn’t visualise a way out of my situation"

    A client was recently separated from her abusive husband and was unaware that he had stopped paying their joint mortgage and secured loan. The lender was forcing repossession and as the client could not afford repayments she had to find alternative accommodation.

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